Izinketho zokuhlawula amatyala akho
Ukuba ufuna ukuhlawula ityala lakho, kufuneka wenze izigqibo ezinzima. Iyokuqala yabo yintoni inkokhelo yokubuyisela ityala oya kukhetha. Kukhona inzuzo kunye nokuxhamla kwento nganye kwaye okulungileyo kunakho kuxhomekeke kwityala lakho, ingeniso yakho, iindleko zakho zenyanga, ukubaluleka kokulinganiswa kwetyala lakho, kunye nenani letyala ofuna ukulihlawula. Nazi iindlela ezithandathu zokuhlawula ityala.
01 Hlalisa Kwiyakho
02 Ukunikezelwa kweengcebiso ngabathengi
I-ejensi yokucebisa ngekhredithi iya kusebenza ngaphakathi kwebhajethi yakho ukuba ifike ngenkokhelo yenyanga nganye ehlawulwayo yonke inkokhelo yakho engakhuselekanga. I-arhente yokucebisa ngekhredithi iya kukubeka kwisicwangciso solawulo lwetyala (i-DMP) esivame ukuquka intlawulo encinane kumntu ngamnye kumboleki kunye nomyinge ophantsi. Ukucetyiswa ngetyala kubathatha iminyaka emithathu ukuya kwemihlanu. Awuvunyelwe ukusebenzisa amakhadi akho ekweretyana ngelixa useDMP. Nangona ingxelo yakho yekhredithi iya kuhlaziywa ukuze ibonise ukuba ungumcebisi wesikweletu, akuyi kuba yingozi kumvuzo wakho wekhredithi.
03 Ukuhlanganiswa kweziTyala
Ukuhlanganiswa kwamatyala kubandakanya ukudibanisa onke amatyala akho kwintlawulo enye ngenyanga. Ezinye iintlobo zeenkqubo zokudibanisa amatyala zibandakanya umboleko wokuxhaswa kwetyala elitsha elisetyenziselwa ukuhlawula ityala lakho elingaqinisekanga. Oku kuya kufuna ukuba ube nenqaku elaneleyo lekhredithi ukuze uthole imali mboleko entsha. Ezinye iiprogram zisebenza ngokugqithisileyo njengoluleko lweentengo zabathengi ngokuhlanganisa intlawulo yakho yenyanga.
04 Ukuhlawula amatyala
Xa uphumelele, ukuhlawulwa kwetyala kunokunciphisa ityala lakho lilonke ukuya kuma-40% ukuya kuma-60%. Uhlawula umrhumo wenyanga kwi-firm settlement firm, oxoxisana nenkokhelo yentlawulo engaphantsi kwexabiso elipheleleyo. Xa isifikelelo semali sesifikile, i-firm firm settlement isebenzise imali oyithumele kuyo ukuhlawula imali. Ukuhlawula amatyala kufuna ukuba ube ngasemva kwiintlawulo zakho. Akukho siqinisekiso sokuthi ababolekisi nabathengi bamatyala baya kwamkela isibonelelo sokuhlawula. Unokwenza okanye awufumani ukubuyiselwa kwembuyekezo xa ukuhlala kungaphumeleli.
05 Isahluko 7 Ukuchithwa
Isahluko 7 sokutshatyalaliswa kwindlela yokufumana isihlomelo esipheleleyo kuzo zonke okanye ezinye zeetyala zakho ezingakhuselekanga. Uya kufuneka uphumelele uvavanyo lwendlela kwaye uhambe ngeengcebiso zekhredithi ukuze ubonise ukuba awuyi kuyenza imali eyaneleyo yokuhlawula ityala lakho. Ngokuxhomekeke kumthetho wakho wombuso, unokufuneka ulahle izinto zakho ukuze uhlawule enye ityala lakho. Oku kubandakanya ikhaya lakho okanye imoto ukuba unobulungisa. Uninzi lwetyala lakho elingakhuselekanga lingasuswa okanye likhutshwe, ekutshatyalalisweni. Nangona kunjalo, inkxaso yenkxaso, ukuxhaswa kwabantwana, iitaliti zerhafu, kunye nemali-mboleko yemfundi ayikwazi ukuphawulwa.
06 Isahluko 13 Ukuchithwa
Isahluko 13 sokutshatyalaliswa kwintlobo ye-bankruptcy evumela ukuba uhlawule izikwereti zakho kwiminyaka emithathu ukuya kwemihlanu. Naliphi na ityala elishiywe emva kokuba iSahluko 13 sakho sokuphelisa isiphephelo siya kugqitywa. Unokwenza ifayile yeSahluko 13 xa usenza imali eninzi ukuyifaka iSahluko 7 okanye xa unempahla ofuna ukuyigcina. Kumele uhambe ngeengcebiso zekhredithi ukuze ufake ifayile yeSahluko 13. KwiSahluko 13, kufuneka uhlawule inkxaso yezingane kunye ne-alimony, amatyala amatyala athile, nawuphi na umvuzo obolekiweyo kubasebenzi, iindleko zezindlu kunye neemoto zakho rhoqo, kunye nayiphi na intlawulo ekhoyo kwindlu yakho nemoto.